The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
When you purchase level term life, you generally choose between a 5-year, 10-year, 15-year, 20-year or 30-year term policy. Life insurance companies do not insure you beyond age 85 with a term policy, so the maximum age at which you may be able to renew your policy depends on the policy you have purchased.nnual Renewable Term. Annual renewable term life is life insurance that renews every year. This type of life insurance automatically renews up to age 85. Beyond this age, you will not qualify for any type of life insurance and your term policy will be canceled.